Bridgewater Manufacturing Group
CIF-01267 · U76266AU2014PLC101267 · Real Estate · Micro Enterprise · Australia
RM: Ryan Harris
Credit Risk Manager: Lucas White
Exposure: $42.01M
CBRB: Normal
Internal: Normal
Risk Score:41 · Medium
Total Exposure
$42.01M
Prev: $42.66M1.5%
Utilization
58.3%
Prev: 57.9%0.4pp
Banking Relationships
7
Prev: 70.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
Normal
Prev: Normal
Open Alerts
3
C 0
H 1
M 0
L 2
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
2024-07
NormalStart
2025-02
OLEMDowngrade
2026-01
NormalUpgrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 5
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 6/7/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Open | Daniel Martin | — |
| 2/14/2026 | Increase in Number of Banks | Low | Borrower has expanded banking relationships per CBRB data. | Resolved | Emily Martinez | 2/14/2026 |
| 5/18/2026 | Exposure Increase | Low | System-wide exposure increased materially over the prior month. | In Review | Emily Martinez | — |
| 2/6/2026 | Exposure Shift to Other Banks | Critical | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Resolved | Lucas White | 2/6/2026 |
| 1/16/2026 | Decrease in Number of Banks | High | One or more banks have exited the relationship. | Open | David Wilson | — |
AI Risk Score
41
/ 100
Medium Risk
Low
0-30
0-30
Med
31-60
31-60
High
61-80
61-80
Crit
81-100
81-100
Risk Driver Analysis
CBRB Rating Migration+15
Utilization Level+15
Banking Relationship Growth+15
Industry Concentration+11
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure decreased by 1.5% month-over-month, currently at $42.01M. Banking relationships moved from 7 to 7 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 58.3%. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Ryan Harris
ryan.harris@bank.com
+1 555 0187
Portfolio: $1.96B
Credit Risk Manager
Lucas White
lucas.white@bank.com
+1 555 0275
Portfolio: $2.27B
Business Head
Olivia Taylor
olivia.taylor@bank.com
+1 555 0066
Portfolio: $2.26B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $24.10M | $17.90M | $42.01M | 58.3% | 7 | Normal |
| 2026-05 | $26.54M | $16.12M | $42.66M | 57.9% | 7 | Normal |
| 2026-04 | $28.61M | $13.90M | $42.50M | 52.5% | 6 | Normal |
| 2026-03 | $23.64M | $18.51M | $42.14M | 55.1% | 6 | Normal |
| 2026-02 | $26.23M | $14.07M | $40.30M | 55.4% | 6 | Normal |
| 2026-01 | $26.22M | $13.00M | $39.22M | 60.0% | 6 | Normal |
| 2025-12 | $25.23M | $12.31M | $37.54M | 62.0% | 6 | OLEM |
| 2025-11 | $20.52M | $16.76M | $37.28M | 61.7% | 5 | OLEM |
| 2025-10 | $20.91M | $17.64M | $38.55M | 57.0% | 5 | OLEM |
| 2025-09 | $24.29M | $12.56M | $36.85M | 62.2% | 5 | OLEM |
| 2025-08 | $24.78M | $13.77M | $38.54M | 58.8% | 5 | OLEM |
| 2025-07 | $20.33M | $17.85M | $38.18M | 53.5% | 5 | OLEM |